<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                             281
<INT-BEARING-DEPOSITS>                             519
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,448
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         33,564
<ALLOWANCE>                                        221
<TOTAL-ASSETS>                                  41,831
<DEPOSITS>                                      30,824
<SHORT-TERM>                                     1,750
<LIABILITIES-OTHER>                                108
<LONG-TERM>                                      4,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       5,149
<TOTAL-LIABILITIES-AND-EQUITY>                  41,831
<INTEREST-LOAN>                                    663
<INTEREST-INVEST>                                  104
<INTEREST-OTHER>                                    10
<INTEREST-TOTAL>                                   777
<INTEREST-DEPOSIT>                                 368
<INTEREST-EXPENSE>                                 432
<INTEREST-INCOME-NET>                              345
<LOAN-LOSSES>                                        3
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                    255
<INCOME-PRETAX>                                     98
<INCOME-PRE-EXTRAORDINARY>                          64
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                         0
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0